well i just went through this about 2 weeks ago...

they offered me a pretty good price for the miles and condition of my car, the car was in pretty good condition but they gave me the price for "excellent" condition. the accident was not my fault so the insurance company i was dealing with was the other persons. they didnt really get on the ball about doing anything.

when the adjuster finally came out they gave the insurance company an estimate of what it will cost to fix the car... the insurance company will then research the value of the vehicle and decide if they should fix it or not. with yours being a 94 integra they will most likely total it even if you just whacked a bumper or something. when they call you back they will say it is a total loss and we will give you $xxxx. and then they will give you a salvage bid on how much it will cost for you to buy the car back if you wish. they will also ask you what you want to take off the car and they will subtract that from the value of the vehicle and that will of course take your settlement down a little. if you have receipts then send them in. i sent about $2000 in receipts and got about a $450 return on it... they obviously cant give you a dollar for dollar return.

in most cases they wont want more than $500-800 to buy the car back from the yard and they will pay the fees to get it out all you have to do is go pick it up. i bought my wrecked sol back for $500 and some change and parted out almost $1800 worth of stuff... its usually a good idea to buy it back...

im sure i left some stuff out but the whole process sucks donkey ballz and i wouldnt wish it upon my worst enemy.